Mobile transaction system and method

Abstract

A mobile transaction system and method are carried out by a plurality of remote trading servers, a mobile barcode trading device and a data transmission server. The remote trading server generates and transmits a two-dimensional barcode image to at least one store client to display thereon after a user selects at least one product from the store client. The mobile barcode trading device captures the two-dimensional barcode image, analyzes the two-dimensional barcode image to obtain an encrypted key data and a trade data, and generates an encrypted payment data by the encrypted key data after the user input a payment data. The encrypted payment data and the trade data are combined to generate an encrypted trade data being transmitted to at least one of a plurality of the remote trading servers via a data transmission server, so as to carry out a mobile transaction.

1 . A mobile transaction system to capture a two-dimensional barcode image for a mobile transaction, the two-dimensional barcode image can be displayed on the shop client after a user selecting at least one product, the mobile transaction system comprising:
 a plurality of remote trading servers electrically coupled to the shop client, one of the remote trading servers receiving a trade data transmitted by the shop client after the user selecting the product, and generating a two-dimensional barcode image to the shop client;   a mobile barcode trading device comprising:
 an image capturing unit for capturing the two-dimensional barcode image; 
 a barcode analysis unit electrically coupled to the image capturing unit to analyze the two-dimensional barcode image to obtain an encrypted key data and the trade data from; and 
 a payment unit electrically coupled to the barcode analysis unit, and generating an encrypted payment data according to the encrypted key data after the user inputting a payment data for the user paying the payment of the product; 
   a data transmission server electrically coupled to the remote trading server and the mobile barcode trading device;   wherein, the encrypted payment data and the trade data are to be an encrypted trade data, the encrypted trade data is transmitted to the one of the remote trading servers via the data transmission server and at least one transmission path.   
     
     
         2 . The mobile transaction system according to  claim 1 , wherein the mobile barcode trading device further includes a process unit, the process unit is electrically coupled to the barcode analysis unit and the payment unit to make the encrypted payment data and the trade data to be an encrypted trade data. 
     
     
         3 . The mobile transaction system according to  claim 1 , wherein the mobile barcode trading device further includes an operation interface, the operation interface is electrically coupled to the process unit for the user inputting an operating signal. 
     
     
         4 . The mobile transaction system according to  claim 2 , wherein the mobile barcode trading device further includes a transmission interface, the transmission interface is electrically coupled to the process unit for transmitting the encrypted trade data to the data transmission server. 
     
     
         5 . The mobile transaction system according to  claim 4 , wherein the transmission interface is an internet transmission interface, the encrypted trade data transmitted via Secure Socket Layer (SSL). 
     
     
         6 . The mobile transaction system according to  claim 2 , wherein the mobile barcode trading device further includes a display unit, the display unit is electrically coupled to the process unit for a task window displaying the trade data and the payment data. 
     
     
         7 . The mobile transaction system according to  claim 2 , wherein the mobile barcode trading device further includes a memory unit, the memory unit is electrically coupled to the process unit, the memory unit includes a trade database to record the encrypted key data and the trade data. 
     
     
         8 . The mobile transaction system according to  claim 1 , wherein the payment unit includes an electronic wallet manager. 
     
     
         9 . The mobile transaction system according to  claim 1 , wherein the payment unit includes a credit card data process unit and the payment data includes a credit card data and a credit card authentication code. 
     
     
         10 . The mobile transaction system according to  claim 1 , wherein the payment unit includes a chip reader to read a financial chip. 
     
     
         11 . The mobile transaction system according to  claim 1 , wherein the payment unit includes a chip sensor to sense a financial chip. 
     
     
         12 . The mobile transaction system according to  claim 1 , wherein the data transmission server includes:
 a data transmission interface electrically coupled to the mobile barcode trading device and the remote trading servers to receiving the encrypted trade data; and   a data management unit electrically coupled to the data transmission interface to manage the transmission path.   
     
     
         13 . The mobile transaction system according to  claim 12 , wherein each of the remote trading servers having a remote trading server code respectively, the data management unit includes a transmission path conversion table, the data management unit determines the transmission path of the encrypted trade data according to the remote trading server code and the transmission path conversion table. 
     
     
         14 . The mobile transaction system according to  claim 1 , wherein the remote trading server includes:
 a remote transmission interface electrically coupled to the data transmission server to receive the encrypted trade data; and   a remote trading process unit electrically coupled to the remote transmission interface to decrypt the encrypted trade data to obtain the payment data, and confirms the payment data.   
     
     
         15 . The mobile transaction system according to  claim 14 , wherein the remote trading process unit transmits a success trade signal to the process unit and the shop client via the remote transmission interface and the data transmission server sequentially after obtaining the payment data and confirming the payment data is correct. 
     
     
         16 . The mobile transaction system according to  claim 14 , wherein the remote trading server includes a remote Memory unit, the remote memory unit is electrically coupled to the remote trading process unit, and the remote memory unit includes a rule analysis database, at least on analysis rule is stored in the rule analysis database for the remote trading process unit determining the payment data. 
     
     
         17 . The mobile transaction system according to  claim 16 , wherein the remote memory unit includes a remote trade database for storing the trade data, the encrypted key data and the payment data. 
     
     
         18 . The mobile transaction system according to  claim 14 , wherein each of the remote trading server has a remote trading server code, each of the remote trading server further a barcode generator, the barcode generator is electrically coupled to the remote Memory unit and the remote trading process unit, the remote trading server generates the trade data after the user selects the product from the shop client, and transmits the trade data to one of the remote trading servers, generates the two-dimensional barcode image according the encrypted key data, the trade data and the remote trading server code after the encrypted key data generated by the remote trading server, transmits the two-dimensional barcode image to the shop client to display. 
     
     
         19 . The mobile transaction system according to  claim 14 , wherein the remote trading server further includes a remote operation interface, the remote operation interface is electrically coupled to the remote trading process unit for a user controlling the remote trading server. 
     
     
         20 . The mobile transaction system according to  claim 14 , wherein the remote trading server includes a remote display unit, the remote display unit is electrically coupled to the remote trading process unit. 
     
     
         21 . The mobile transaction system according to  claim 1 , wherein the mobile barcode trading device is a mobile phone. 
     
     
         22 . The mobile transaction system according to  claim 1 , wherein the mobile barcode trading device is a Personal Digital Assistant (PDA). 
     
     
         23 . The mobile transaction system according to  claim 1 , wherein the shop client is an internet shop. 
     
     
         24 . The mobile transaction system according to  claim 1 , wherein the shop client is a physical shop. 
     
     
         25 . A mobile transaction method comprising the following step:
 (a) displaying a two-dimensional barcode image in a shop client after a user selecting at least one product;   (b) capturing the two-dimensional barcode image via a mobile barcode trading device;   (c) decrypting the two-dimensional barcode image to obtain an encrypted key data and a trade data via the mobile barcode trading device;   (d) receiving a payment data from the user via the mobile barcode trading device;   (e) utilizing the encrypted key data to encrypt the payment data to generate an encrypted payment data; and   (f) transmitting the encrypted payment data, the remote trading server code, and the trade data to one of the remote trading server via a data transmission server and at least one transmission path.   
     
     
         26 . The mobile transaction method according to  claim 25 , wherein in the step (a), the shop client transmits a trade data to one of the remote trading servers after the user selecting the product from the shop client, the one of the remote trading servers generates the two-dimensional barcode image according to the trade data and the encrypted key data, and transmits the two-dimensional barcode image to the shop client to display. 
     
     
         27 . The mobile transaction method according to  claim 25 , wherein each of the remote trading servers has a remote trading server code, in the step (c), the remote trading server code is decrypted from the two-dimensional barcode image. 
     
     
         28 . The mobile transaction method according to  claim 27 , wherein in the step (f), the data transmission server determines the transmission path according to the remote trading server code. 
     
     
         29 . The mobile transaction method according to  claim 25 , wherein the step (e) further includes a step (e 1 ):
 generating an encrypted trade data including the encrypted payment data and the trade data, wherein the encrypted trade data can be read by one of the remote trading servers only.   
     
     
         30 . The mobile transaction method according to  claim 25 , wherein further includes a step (g) after the step (f):
 decrypting the encrypted payment data to obtain the payment data by one of the remote trading servers.   
     
     
         31 . The mobile transaction method according to  claim 30 , wherein further includes a step (h) after the step (g):
 transmitting a success trade signal after one of the remote trading servers generating the payment data successfully.   
     
     
         32 . The mobile transaction method according to  claim 25 , wherein the mobile barcode trading device is a mobile phone. 
     
     
         33 . The mobile transaction method according to  claim 25 , wherein the mobile barcode trading device is a Personal Digital Assistant (PDA). 
     
     
         34 . The mobile transaction method according to  claim 25 , wherein the shop client is an internet shop. 
     
     
         35 . The mobile transaction method according to  claim 25 , wherein the shop client is a physical shop.